Running a WooCommerce store in India as an individual seller comes with a unique set of challenges—especially when it comes to accepting online payments. Unlike registered businesses, freelancers and solopreneurs often struggle with onboarding restrictions, GST requirements, and plugin compatibility. Fortunately, several Indian payment gateways have now made it easier for individuals to start accepting payments seamlessly, without the need for a registered company.
In this article, we explore the top Indian payment gateways for WooCommerce websites, specifically suited for individual sellers, freelancers, and small home businesses.
What Individual Sellers Should Look For in a Payment Gateway
Before choosing a payment gateway for your WooCommerce website, make sure it meets the following criteria:
- Easy Onboarding Without GST or Business Registration
- Low Transaction Charges
- Instant or Timely Settlements
- Support for UPI, Cards, Net Banking
- Secure (PCI-DSS Compliant)
- WooCommerce Plugin or Easy Integration
- Dashboard for Reporting & Refunds
Now let’s dive into the best options available in 2025:
- Razorpay
Razorpay is one of India’s most popular payment gateways, trusted by startups and individual sellers alike. It offers fast onboarding, accepts a wide range of payment modes, and provides a dedicated WooCommerce plugin for easy setup.
Features:
- Accepts UPI, Debit/Credit Cards, Net Banking, Wallets
- Free WooCommerce plugin
- Instant refunds and smart analytics
- Supports payment links, subscriptions, and QR codes
- Secure and PCI-DSS compliant
Charges: ~2% per transaction
Settlement Time: T+2 working days
Individual Seller Friendly: Yes
Perfect for: Freelancers and sellers looking for a modern and user-friendly interface.
- Instamojo
Instamojo is ideal for beginners and digital product sellers. It’s one of the few platforms that truly welcomes individuals without GST or business registration. Even if you don’t have a website, you can use their payment links or online store features.
Features:
- Accepts UPI, Cards, Wallets, EMI, Net Banking
- Simple documentation (PAN, Aadhaar, Bank details)
- WooCommerce plugin support
- Inbuilt store builder and dashboard
- Payment links and digital file delivery support
Charges: 2% + ₹3 per transaction
Settlement Time: T+3 working days
Individual Seller Friendly: Yes
Perfect for: Creators, online educators, and sellers of digital products.
- PayU Money
PayU is a veteran payment gateway in India, and their PayU Money product is designed to support individuals and startups. While the documentation might take slightly longer than Razorpay or Instamojo, their reliability and plugin support make it a good choice.
Features:
- 100+ payment methods
- WooCommerce plugin available
- Smart dashboard, refund management
- Real-time analytics and support
- PCI-DSS certified
Charges: 2% – 2.5%
Settlement Time: T+2 days
Individual Seller Friendly: Yes (with valid KYC)
Perfect for: Sellers expecting moderate traffic and wanting trusted brand support.
- Cashfree Payments
Cashfree is gaining popularity for its fast settlement times and powerful features. It supports payment collections as well as bulk payouts, making it a great option for multi-vendor or affiliate-based stores.
Features:
- Accepts UPI, Cards, Pay Later, Net Banking
- Auto-payout and recurring payment support
- Easy WooCommerce integration
- Instant refunds, detailed dashboard
- High success rate and excellent API
Charges: 1.9% – 2.5%
Settlement Time: T+1 to T+2 days
Individual Seller Friendly: Yes
Perfect for: Tech-savvy individuals or stores needing fast payouts and automation.
- CCAvenue
CCAvenue has been around for a long time and is known for its ability to process international payments and support regional languages. It offers a highly customizable payment interface and suits sellers targeting both Indian and global buyers.
Features:
- Accepts 200+ payment options and 27+ currencies
- Strong fraud detection systems
- WooCommerce plugin support
- Multilingual checkout experience
Charges: 2% – 3% (India); higher for international
Settlement Time: T+3 days
Individual Seller Friendly: Yes (after KYC)
Perfect for: Sellers targeting international customers or requiring currency conversion.
If you’re just starting and don’t want to pay any transaction fee, you can manually place a static UPI QR code on your website (Google Pay or PhonePe) and ask customers to share payment confirmation via email or WhatsApp. It’s not scalable but ideal for early-stage sellers.
Comparison Table: Indian Payment Gateways for WooCommerce
| Payment Gateway | Supports Individuals | WooCommerce Plugin | Avg. Fees | Settlement Time |
|---|---|---|---|---|
| Razorpay | ✅ Yes | ✅ Yes | ~2% | T+2 Days |
| Instamojo | ✅ Yes | ✅ Yes | 2% + ₹3 | T+3 Days |
| PayU Money | ✅ Yes | ✅ Yes | ~2.5% | T+2 Days |
| Cashfree | ✅ Yes | ✅ Yes | ~1.9% | T+1–2 Days |
| CCAvenue | ✅ Yes | ✅ Yes | 2%–3% | T+3 Days |
Finding the right payment gateway is crucial for your WooCommerce store’s success, especially if you’re an individual seller without a registered business. All the gateways listed above support Indian individuals with PAN, Aadhaar, and basic bank documents.
Best Overall: Razorpay
Best for Digital Goods: Instamojo
Best for International Payments: CCAvenue
Fastest Settlement: Cashfree
Choose the one that best fits your business model and technical comfort level.
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